Is the business still producing enough dependable revenue?
We look beyond a single strong month and compare deposits, seasonality and current operating margins.
MCA refinance
MCA refinance up to $350,000. Terms up to 10 years.
Our standard MCA refinance program reviews up to $350,000 with terms up to 10 years and no more than 2 active MCAs. Applications with more than 2 MCAs are still accepted for manual review; AI does not automatically underwrite those files. A refinance should improve the business after every payoff is made. We map the current advances, confirm what it takes to release each position and study the bank activity that will support the new payment. If the file is not ready, we explain what has to change instead of forcing a structure that does not fit.
A payoff total alone does not tell us whether the file works.
The review connects each obligation to the evidence that proves the balance, payment pattern and release process. That helps prevent a refinance from leaving an undisclosed debit or lien behind.
| What we need | What it tells us | What can hold up the file |
|---|---|---|
| Current MCA agreements | Original purchase amount, purchased receivables, remittance and default terms | Missing agreements or terms that do not match the bank activity |
| Written payoff letters | A dated amount needed to satisfy each position | Expired letters, daily interest, legal fees or a payoff that excludes another advance |
| Six recent bank statements | Deposits, withdrawals, low-balance days and the real MCA burden | Returns, overdrafts, falling deposits or statements from an incomplete account set |
| Current P&L and debt schedule | Whether operations can carry the proposed payment after payoff | Numbers that cannot be reconciled with deposits or outstanding debt |
| UCC search and release requirements | Which secured parties may need to be paid or subordinated | Unknown lienholders or no documented path to a termination or subordination |
Compare the current withdrawal with an illustrative monthly structure.
Enter verified payoffs, remaining time, active MCA count and your own hypothetical rate and term. Compare current monthly withdrawals with an amortizing example within the $350,000 / 120-month limits. It does not prequalify the business or quote a lender.
MCA refinance: up to $350,000 and terms up to 10 years for qualified files with no more than 2 active MCAs. Applications with 3+ MCAs are accepted for manual review; AI does not automatically underwrite them.
Your current MCA obligations
Choose a hypothetical replacement
Enter assumptions to explore the math. No lender rate is preselected, and selecting a term does not make it available or approved.
Current withdrawals
- Monthly equivalent
- $20,000
- Per business day (21/month)
- $952
A monthly equivalent is an orientation figure, not a replacement for each agreement’s actual debit schedule.
Hypothetical amortizing note
Choose 1 or 2 active MCAs and enter valid payoff, remaining period, hypothetical rate and term to see the illustration.
Illustration only, not an offer or credit decision. Standard program maximum: $350,000, 120 months and 2 active MCAs. The model assumes fixed monthly amortization at the annual rate you enter, no fees or additional cash-out, and no changes to the rate. A lower monthly payment can increase total cost. Final eligibility, term, pricing, payoff amounts, fees and availability require verified documents and lender approval. Applications with more than 2 MCAs remain open to manual review.
Find the most sensible first review for the file.
Answer seven non-personal questions. Files with more than 2 active MCAs or payoffs outside the $350,000 program limit keep an application path for manual review. Other answers help identify the appropriate review; no result is an approval.
Step 1 of 714%
This check collects no personal details and does not make a credit decision.
The decision comes down to a few practical issues.
Will the new payment create real room?
A lower frequency is not enough by itself. The total payment and remaining cash flow have to be healthier.
Can every current position be resolved?
The closing plan must account for verified payoffs, UCC filings and any agreement that can keep debiting the account.
Is there a credible path after the refinance?
The goal is a stable capital structure, not another advance added to the stack a few weeks later.
Not every review ends with the same recommendation.
Ready for lender review
The obligations are documented, cash flow supports the proposed structure and there is a workable payoff plan.
More information needed
The file may work, but a missing payoff, statement, lien detail or operating figure prevents a responsible conclusion.
Readiness work first
The refinance would not yet create enough room. We identify the operating or documentation changes that could improve the next review.
If the file needs work first, see how Capital Readiness tracks the numbers and next actions. Explore Capital Readiness.
Send enough to reconstruct what is happening in the account.
- Six complete months of statements for every operating account
- Every active MCA agreement and the most recent payoff statement
- Current year-to-date profit and loss statement
- Business debt schedule, including weekly and daily withdrawals
- Voided business check and formation documents
- Available UCC searches, default notices or legal correspondence
The file is reviewed in sequence, not by a headline rate.
- 01
Open the file
Tell us what is being withdrawn, who is being paid and what result the business needs.
- 02
Verify the position
We reconcile agreements, payoffs, bank activity and liens before comparing an alternative.
- 03
Test affordability
Underwriting measures the proposed payment against current deposits, operating cash flow and remaining obligations.
- 04
Choose the next move
A qualified file proceeds to lender review. A file that is not ready receives a practical list of next actions.
Read the documents and the math before you replace the debt.
- MCA Relief & Debt Consolidation
MCA Consolidation Options, Compared Honestly
Five ways operators try to get out from under advances, what each one actually does to the balance and the burden, and the downside of each stated plainly.
- MCA Relief & Debt Consolidation
MCA Factor Rate vs APR: Compare Fees, Payments, and Net Cash
Compare MCA factor rates with APR using net proceeds, fees, dated payments, and early-payoff terms. Work through a transparent cost example before signing.
- MCA Relief & Debt Consolidation
Escaping MCA Debt: The Dealer Recovery Playbook
A step-by-step recovery framework for operators carrying stacked advances: map the positions, compute the real burden, pick a route, and sequence the payoffs.
Questions to settle before the file reaches a lender.
What are the program amount, term and MCA limits?
The standard refinance program is up to $350,000 with terms up to 10 years and no more than 2 active MCAs. Every limit is subject to a verified file and lender approval. Ten years is a maximum, not a default offer.
Can I apply with more than 2 active MCAs?
Yes. We still accept your application and supporting documents. A person reviews that file manually; AI does not automatically underwrite it or promise a structure outside the standard program.
Does an MCA refinance always pay every advance?
No. The closing structure depends on verified payoffs, lien priority, available proceeds and lender requirements. Every position must be disclosed during review.
Can a term loan or SBA loan pay off MCA debt?
Sometimes. Eligibility depends on the business, use of funds, cash flow, credit, documentation and the rules of the specific program. It is not automatic.
Why do you need complete bank statements?
They show deposits, actual withdrawals, returned payments, overdrafts and the cash left after daily operations. Screenshots or partial activity do not provide the same view.
What if the business is not ready today?
The review can identify the main blockers and whether better records, stabilized deposits, fewer overdrafts or a different payoff strategy could improve the file.
Is a ten-year term guaranteed?
No. Up to 10 years is the program maximum. The actual available term, pricing, fees and payment schedule are determined after underwriting and disclosed in a specific proposal. The separate QC fee is disclosed before signing.
Let us map the position before another withdrawal clears.
Start with the agreements, payoffs and bank activity. The first answer should be whether the refinance improves the business, not how quickly another obligation can be added.
Request an MCA reviewQC's origination or success fee is up to 3% of the funded amount. It is separate from a lender's rate, factor, closing costs and other charges. Exact lender terms are presented only after underwriting.